Top 10 Reasons To Purchase an Indexed Annuity:

10. I trust insurance carriers more than I trust banks.

  • From March 2008 to Present, 465 Banks in the US failed.1
  • From March 2008 to Present, 0 Insurance carriers failed (3 entered receivership)

9. I want the money to go to my family if I die.

  • Indexed annuities pay the full accumulation value upon death of the annuitant.
  • Properly designated beneficiaries ensure that annuities will not have to go through probate.

8. I want the benefits of triple compounding.

  • Earning interest on my contributions, earning interest on my interest, earning interest on the money that I would have paid in taxes. 2

7. I want access to my money.

  • After the first policy year, you may withdraw up to 10% of your accumulation value without application of withdrawal charges.3
  • Annuitization without a life payout.
  • No penalties from insurance carrier in the event of nursing home confinement or terminal illness. I In approved States, subject to rider limitations.)

6. I want an income stream, regardless of how long I live.

  • Lifetime Income Riders offer protection against outliving savings.

5. I need to supplement my Social Security payments.

  • Currently, Social Security benefits are only intended to provide for 40% of retirement income — future benefits will likely provide for less.4

4. The power of the annual reset.

  • Interest locked into accumulation value annually.
  • Provide opportunity when the index is up and protection when the index is down.
  • Zero is my Hero — an indexed annuity with annual interest may earn 0% interest in a year, but never a negative amount. Because of the annual reset, the index does not have to make-up value from a down year. The index’s year-end value becomes the year-start value.

3. Time my annual issue dates.

  • Market timing is not necessary on indexed annuities

2. I want the ability to outpace other fixed money products.

  • Indexed annuity rates have the potential to be considerably higher than secure/conservative investment options like Savings bonds, Savings account, Certificates of Deposit (CDs), and Checking accounts.

1. I am risk averse

  • I am looking to save money for retirement
  • I am not comfortable losing money
  • Annuities offer guaranteed5 safety of principal and guaranteed minimum return


1 Source—FDIC Failed Bank List

Taxes are paid at the time of withdrawal

3 Subject to IRS qualified plan guidelines. Withdrawals prior to age 59 ½ may be subject to IRS 10% early distribution penalty.

4 Source—Social Security Bulletin, Vol. 65, No. 3

Guarantees are based on the claims-paying ability of the issuing companies.